The Blueprint
Finance
A monetary system beyond all known models
Money loses its capital function. Money is only a system for cooperation. It is:
- Not tied to gold → no intrinsic raw value.
- Not managed by central banks → no monetary control or political steering.
- Not market-oriented → no market price, no speculative value.
- Free of interest and compound interest → no exponential capital accumulation.
- No fiat money → money is not state-guaranteed and cannot be created at will.
- No trading → money has no external price.
Practical consequences for society
Money becomes purely instrumental, no longer capitalist. It is a medium of cooperation, not an investment. No accumulation: the shift of power via monetary wealth falls away. Stability through resource distribution: money becomes merely a means of organizing basic needs. Motivation: People do not work for profit, but for social recognition, usefulness or direct satisfaction of needs. Money as social "software": It steers behavior through rules and entitlements, not through market forces or returns. Money exists only as a tool to structure social order, subsistence and division of labor – almost like a point-system resource-allocation instrument that is directly tied to human needs and contribution to society.
The direct comparison
In such a world not everything would simply be "better," but far beyond that - because it is organized fundamentally differently, because it pursues entirely different goals.
1. Securing existence: from fear to stability
Today
- Security of life is tied to income
- Fear of social decline acts as the main incentive
- Work = survival
In this world
- Basic needs are guaranteed (subsistence)
- Food, housing, energy, basic health care are secured by infrastructure
- Work = contribution, meaning, development
2. Work: from compulsion to free choice
Today
- Work serves primarily to secure income
- High proportion of bullshit jobs
- Performance is valued in monetary terms
In this world
- Gainful employment is decoupled from securing existence
- Activities are prioritized according to social benefit
- Performance is measured by impact, not salary
3. Money: from instrument of power to tool
Today
- Money = status, power, security
- Accumulation is rewarded
- Financial inequality grows systemically
In this world
- Money is a means of calculation and coordination
- Hoarding is not necessary
- Wealth has a social purpose commitment
4. Economy: from growth to resilience
Today
- GDP growth as the main goal
- Externalization of environmental and social costs
- Fragile global supply chains
In this world
- Goal: well-being + ecological stability
- Regional self-sufficiency (subsidiarity)
- Redundancy instead of efficiency fetish
5. Competition: from zero-sum logic to coordination
Today
- Competition as the central engine of innovation
- Winner/loser logic
- Knowledge monopolies
In this world
- Cooperation is structurally superior
- Competition exists, but not purpose-bound
- Knowledge is a common good
6. Politics & power: from centralization to self-responsibility
Today
- Decisions are often far removed from those affected
- Lobbying distorts incentives
- Short-term election cycles
In this world
- Decisions at the lowest effective level
- Strong municipalities & regions
- Long-term planning horizons
7. Education: from usability to flourishing
Today
- Education as labor-market preparation
- Standardization
- Focus on grades and competition
In this world
- Education freely available
- Focus on systems understanding, ethics, cooperation
- Learning out of intrinsic motivation
👉 People learn in order to understand, not in order to pass.
8. Technology: from the acceleration society to the society of reason
Today
- "Faster, bigger, higher and further"
- Technology follows capital interests
- High resource consumption
In this world
- Technology follows societal need
- Assessment by benefits and risks
- Longevity instead of obsolescence
9. Social relationships: from comparison to connectedness
Today
- Status comparisons
- Isolation despite networking
- Performance defines worth
In this world
- Social security reduces pressure to compare
- Communities gain in importance
- Worth ≠ productivity
10. Perception of time: from scarcity to presence
Today
- Permanent scarcity of time
- Multitasking
- Acceleration as the normal state
In this world
- More free time
- Depth instead of speed
- Rhythms are oriented toward people & nature
An anti-capitalist world - Central aspects
We need money, but it must be freed from interest and compound interest. Money may no longer be created out of someone else's debt or be oriented toward the market. In Zivilisation 0, money is not traded; in Zivilisation 0, money has a creative counter-value, and this cannot be devalued. In an anti-capitalist world, money loses its present-day character as a central means of power, exchange and accumulation. Its value is no longer determined by profit, interest or capital multiplication, but – if money still exists at all – by social function and practical coordination.
No longer an end in itself. Money does not serve to generate "more money." It is not capital, but at most a neutral tool for distribution or bookkeeping.
Decoupling of power and possession. Wealth confers no structural power over others. Vital resources (housing, food, education, health) are not purchasable in the market-economy sense, but organized communally.
Value through needs, not through the market. The "value" of things arises from their use and their significance for collective well-being, not from supply, demand or scarcity that is artificially created.
Needs-oriented distribution (e.g. "to each according to their needs")
Material or financial credits that cannot be hoarded or inherited
Commons models in which resources are freely accessible
Planning by democratic vote instead of price signals
Life-value instead of money-value. Money has more of a computational or symbolic function – for example for coordinating complex processes – not for social distinction..
In an anti-capitalist world, money no longer measures the worth of people, time or life. The real value lies in relationships, needs, solidarity and shared responsibility, not in numbers and zeros on accounts.
These norms fundamentally change the target and steering logic of the financial world.
1. Normative foundations of society
Zivilisation 0 is based on four central principles:
Utilitarianism. The goal of economic action is the maximization of aggregate well-being (social welfare function), not the maximization of individual profit.
Altruism. Individuals and institutions internalize positive external effects. Prosocial behavior is not a special case, but systemically incentivized.
Subsidiarity. Decisions are made at the lowest possible functional level (household → municipality → region → state → global).
Subsistence. The securing of basic needs (food, energy, housing, health) is guaranteed pre-economically and is not primarily market-dependent.
2. Transformation of the role of the financial system
2.1 From capital accumulation to capital allocation
In classical financial systems, capital is:
- scarce,
- return-oriented,
- competition-driven.
2.2 Function of the financial system:
- Assessment of societal needs
- Allocation of real resources
- Temporal smoothing of investments
- Risk sharing in the sense of collective resilience
3. Changes in central financial mechanisms
3.1 Money
- Inflation is deliberately kept low, but not at zero, in order to avoid hoarding.
- Money circulation is high, since basic social provision does not depend on a compulsion to save.
- Money primarily becomes a unit of account and coordination.
3.2 Lending
Loans are not based on maximum repayment capacity, but on:
- societal benefit
- ecological carrying capacity
- local value creation
- long-term resilience
Interest structures:
- close to zero or negative in real terms
- Interest acts as a risk price, not as a return instrument
3.3 Investments
Investment decisions follow a multidimensional utility function:
[U = f(well-being, sustainability, stability, capacity to learn)]
Financial markets evaluate projects according to:
- social impact
- regional self-sufficiency
- reduction of systemic risks
4. Institutional reorganization
4.1 Banks
Banks transform into:
- public or cooperative infrastructures
- regionally anchored allocation centers
- data-based decision platforms
- Profits are reinvested or distributed socially.
4.2 Financial markets
- Global markets continue to exist
- Derivative instruments serve primarily hedging, not speculation
- Systemically relevant risks are limited preventively
5. Effects of subsidiarity & subsistence
5.1 Local financial circuits
- Regional currencies or earmarked credits
- Short value chains
- Reduced dependence on global capital flows
5.2 Decoupling of securing existence and gainful employment
- Basic needs are guaranteed
- Financial decisions are less driven by fear
- Willingness to take risks rises in the direction of innovation, falls in the direction of speculation
6. Behavioral-economic effects
To be expected empirically:
- Reduction of rent-seeking
- Higher trust → lower transaction costs
- Lower volatility
- Longer-term planning horizons
7. Macroeconomic system effects
- Wealth inequality decreases structurally
- Financial crises become rare, since the formation of bubbles is made impossible
- Economic growth becomes qualitative (prosperity) instead of quantitative (GDP)
8. Summary
In a utilitarian-altruistic, subsidiary and subsistence-oriented society, the financial world transforms from a system of competition and accumulation into a collective system of decision-making and stabilization.
In the new society, capital is understood primarily as an instrument of coordination.
Capital no longer serves the concentration of wealth, but the efficiency of creating social benefit.
Money loses its function as a store of value with accumulation logic.
Speculative high-frequency markets lose their function and largely disappear.
It becomes slow, robust and capable of learning instead of fast, fragile and extractive.
Finance loses its dominance over society and becomes what it was originally supposed to be: a serving instrument for organizing human coexistence.